Our editorial staff evaluates products and services independently, but Top Ten Reviews may earn money when you click on links. Learn More

USAA Review

PROS / USAA has one of the highest customer service scores of the providers we reviewed.

CONS / USAA is strictly for military personnel and their immediate families.

 VERDICT / This company is a huge benefit for members of the Armed Forces; they provide the same coverage as the best auto insurance companies.

Editor’s Note: This product has been removed from our side-by-side comparison because its plans are only available to those with military connections.


The United Services Automobile Association (USAA) is an auto insurance company that serves members of Armed Forces of the U.S. military. The USAA was founded because insurance companies found U.S. military members to be high-risk. This service is great for anyone who serves in the military, including the National Guard and Reserve. It is one of the most customer-friendly auto insurance providers and is also available to the children of service members. Policies can even be passed down generation to generation.

Customer satisfaction cannot be understated when it comes to the best car insurance. Auto insurance is a service where you heavily rely on an agent to take care of your needs, whether it be finding the right policy for your situation or handling a claim in case of an accident. Many companies have their fair share of complaints, but through our comprehensive review process we found that USAA’s customer service scores place it among the best auto insurance providers. In most cases, the claim service is fast and reliable too. Fast claim service that is hassle-free saves you stress when having to deal with accident repairs.

Unfortunately, this service is not inclusive to everyone. You or a direct family member needs to be serving or have served in the U.S. military, National Guard or Reserves. However, one main benefit of this service is that it can be passed down. If your grandpa was an Armed Forces member and had the insurance, he could pass it down to your mother or father and they could pass it down to you. Think of it as a friendly thank-you for the years and dedication of our U.S. military members.

The website works a little differently from other auto insurance sites. You will have to create a login to access the site, and to get a quote you will need to input more information. USAA membership is open to U.S. military service members, veterans with an honorable discharge, and their eligible family members. USAA sends follow-emails as well to ensure you get the best experience from the website.


The USAA serves its U.S. military members in-depth insurance with a top-notch customer service team. Although it isn’t available to the public, USAA has opened itself up to more members by letting children of members inherit this service from their parents and to pass it along to the next generation. The combination of these factors shows why USAA is one of the best auto insurance providers on the market.